| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 142031215 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $27 | $22K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | 5.00% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $616 | $0 | $616 | 6.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $406 | $0 | $406 | 4.03% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $32 | $37 | 0.37% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $700 | $0 | $700 | 9.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $446 | $0 | $446 | 5.87% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $137 | $160 | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 142031215 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $15K |
| CHILD AND FAMILY SERVICES EAP EIN 16-1004825 | Plan Administrator Service code 14 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 223 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 429 | $2.9M |
| Dental | DELTA DENTAL OF NEW YORK | 508 | $159K |
| Vision | VISION SERVICE PLAN | 204 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $433K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $455K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $433K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 429 | $2.9M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 656 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.